Bank Comparison
Rushford State Bank (incorporated) vs Twin City Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 11
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Rushford State Bank (incorporated) | Twin City Bank |
|---|---|---|
| CET1 Ratio | 12.85% | — |
| Tier 1 Capital Ratio | 12.85% | — |
| Total Capital Ratio | 13.67% | — |
| Tier 1 Leverage Ratio | 6.84% | 15.02% |
| Equity / Assets | 6.21% | 12.57% |
Profitability
| Metric | Rushford State Bank (incorporated) | Twin City Bank |
|---|---|---|
| Return on Assets (ROA) | 0.95% | 0.66% |
| Return on Equity (ROE) | 14.60% | 4.75% |
| Net Interest Margin (NIM) | 3.50% | 3.90% |
| Yield on Earning Assets | 5.19% | 4.60% |
| Cost of Funds | 1.74% | 0.81% |
Asset quality
| Metric | Rushford State Bank (incorporated) | Twin City Bank |
|---|---|---|
| Texas Ratio | 23.24% | 2.82% |
| Non-Performing Loan Ratio | 3.02% | 0.00% |
| Non-Performing Asset Ratio | 1.54% | 0.37% |
| Net Charge-Off Ratio | 0.18% | -0.01% |
| ACL / Loans | 0.82% | 1.18% |
Balance sheet
| Metric | Rushford State Bank (incorporated) | Twin City Bank |
|---|---|---|
| Total Assets | $114,578K | $114,575K |
| Total Deposits | $107,023K | $99,530K |
| Total Loans | $58,492K | $56,067K |
| Total Equity | $7,114K | $14,397K |
| Net Income (quarter) | $263 | $170 |
Liquidity & funding
| Metric | Rushford State Bank (incorporated) | Twin City Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 54.65% | 56.33% |
| Core Deposit Ratio | 89.36% | 91.82% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Rushford State Bank (incorporated) | Twin City Bank |
|---|---|---|
| Headquarters City | RUSHFORD | LONGVIEW |
| Headquarters State | MN | WA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 16 | 16 |
| Established | March 7, 1867, midnight | April 17, 2000, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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